We believe that the multi-channel cross-platform development on HTML5 technologies and ability to build hybrid applications is the right way to build cool, modern business applications with a great user experience. Often we hear that the mobile apps are better to build only with native code, but nobody ever could give us any solid argument. Of course, where it would make sense, we suggest to our customers to use a native part for a particular part of the app, which is part of the hybrid strategy. Hybrid technology simple gets the best from both approaches and we like it for our banking apps.